Would you live with another year of Golden if it meant getting Chip Kelly next year?
Why don't people understand that there are coaches that Miami can't get. It's more than money. Chip Kelley could be in the NFL or at a school that puts 90k in the seats. Miami gets the job done when things are clicking but we will never be an A list job. Luckily we don't need a Saban type coach to win big. Butch (or somebody like him) will do the job.
And if Kelly were to, say have a poor season next year and get fired, he'd look to return to college. Ever heard of a guy named Pete Carroll? Pay a coach properly and he'll come to your school. See Michigan, OSU, and Bama's recent hires. It really is all about the money. We're at the point now where we need to pay for a really great coach.